As I was updating my side bar information the other day, it really hit me how "off" these numbers are.
The actual balances....well, those are right. I am capable of checking the balance and reporting it!!! (most days at least....) And I hope I am able to add. But again....that is alot to ask of me some days as my brain is so melted and mush that I have to put cotton in my ears to keep it from oozing out. Then I ring out the cotton balls and put it in a mold.....it makes a lovely little jello-like cube.
I started this blog with $76k of debt. This didn't include our retirement loan....which was in the $7,000 range at that time. So it really was closer to $83k. I don't know why I didn't include the retirement loan. I think it was seeing a number in the 80's that freaked me out. Or maybe because it was being paid back to ourselves I just didn't count it as debt. Who knows....it was over 2 years ago. I barely remember yesterday.
We currently stand at $65k (or about $67k with the retirement loan). So it looks like we have barely made a dent in our debt. Anyone who just glances at the numbers would be like....really? That is all you have paid off??? In TWO years????
But that isn't the case. We have incurred new debt. I haven't added the numbers up....but I know it is there. I would love to say we NEVER use our credit cards....but that isn't true. We have used them....MOSTLY for need (such as car repairs!!!)....but there has been some budget missteps along the way as well.
There have been NO major purchases (new furniture, vacations, appliances). Our computer was paid for with cash. Anyway you slice it....we have incurred some debt.
So our numbers....we have actually paid for all of the missteps PLUS what we have paid down. I am not sure how to reflect that without driving myself crazy. All I know is that month after month....we consistently pay about $1000 just in CREDIT CARD debt. So in 26 months since I started this blog...that would be $26,000 right there we have paid (including interest).
We have paid off the car, the hospital bill, one student loan, and our retirement loan is almost done. All of that is around $18,000. We have been paying the interest on my student loan....at about $2,100 for that.
Yet, it looks like all we have done is 11k.
Some day when I actually have TIME, I will figure out all the real numbers....but for now I have to remember that we have done WAY more than my numbers actually reflect. Pardon me while I attempt to cheer myself up. I need to find something right now that proves that we aren't completely crappy at this.